
When insurance claims are declined: how exclusions work
A complaint reviewed by the National Financial Ombud Scheme highlights how exclusions linked to unlawful conduct are assessed.

A complaint reviewed by the National Financial Ombud Scheme highlights how exclusions linked to unlawful conduct are assessed.

Complaints about life-benefit payouts climbed to 36% of the Division’s cases, from 34% in 2023.

The NFO decided that failing to follow customary mourning rituals did not prevent the recognition of a customary marriage, awarding the claim based on fairness.